Questions tagged [credit-history]
for questions related to credit worthiness history, related tags credit-score, credit-rating and credit-report
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How can I correct a mistake on my Credit Score?
I recently just looked at my credit score to try to figure out why I may have been rejected for a credit card. While it is not bad (between 700-725) it is not awesome either. When going through an ...
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How to improve the late payment score on credit report
I have a question regarding payment history. I am trying to help a friend improve his credit score. My biggest challenge is that my friend has more than 20% in late payments.
My question is how to ...
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Is it a good idea to get a mortgage when buying a house, for credit reasons?
I'm thinking about buying my first house, and I'm wondering whether I should get a mortgage from a bank or not. This is mostly because I've heard that getting a mortgage is critical part of building ...
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How can I have credit cards without having a credit history or credit score?
Is your credit history/score like a criminal record? I mean is it always with you? Also, are there other ways to get credit cards besides with a bank? I want inside my credit score without having a ...
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Why was my credit card just cancelled?
I have had a credit card with Bank of America for many years. I also have a long-standing card with another bank, a Sears card, and a newer card (< 2 years old), for a total of 4 credit card ...
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Myth, or not: If using a secured card to build credit, paying off in part each month has more benefit than paying in full?
Does paying off a secured credit card in full each month not allow me to build a credit history?
I'm asking because reading about regular credit cards indicates that paying in full helps build a good ...
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How do I get a debt settlement letter to agencies to erase bad credit details on the three reporting agencies?
I have just settled a debt with a collector and received a settlement letter.
They told me they don’t report to creditors.
How do I get this information to agencies to erase bad credit details on ...
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Credit Card vs Personal line of Credit
I have a question regarding the effect of opening a Personal line of Credit.
I know for a fact that opening a new Credit card reduced the "Average age of credit history".
Will a personal line of ...
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Is it advisable to take small planned loans before going for a huge home loan?
The area that I am focusing on is related to get lower interest rate
when applying for a house loan 4-5 years down the line.
After graduating from school and having a job, the credit score> ...
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Does a balance transfer from a credit card affect our credit score?
If we do balance transfers from our credit card, pay more than the minimum payment within the due date and payoff the entire amount slowly within the specified time-frame, does it improve our credit ...
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Is the age of my parents' credit card helping my credit more than the balance is hurting it?
I am listed on one of my parents' credit cards with an account age of 37 years. I am 28. This makes my credit history very very old — 37 years old — and significantly older than my oldest credit card. ...
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How long will it take for my credit score to reflect my name having been taken off a mortgage?
As part of divorce settlement (January 2011) my ex was required to remove me from our Mortgage and Home Equity Loan ($600,000). For 23 years we made timely payments, so there was no BAD DEBT - just ...
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How to quantify the cost of your Credit Score?
In the event you have an investment property that have lost 10% value since 2005. Is returning a -30% in terms of revenue.
Costs are $12,915 (including mortgage payments) and Revenue (rental income) ...
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If my identity is stolen, is there another way to authenticate identity to the major credit bureaus other than my credit history?
Supposedly, one is able to monitor their credit rating with the three major credit bureaus to prevent/stop identity theft. However, the yearly report can only be viewed by answering questions about ...
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How can I get a home loan within 2 years of bankruptcy?
About 1.5 years ago I had my bankruptcy discharged. Now, the lease on my house is up and I have about $7k for a down payment on a small starter house (they asking $55k)
However the 2 places I have ...
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